The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 241 74 SH   SOLE   0 0 74
APPLE INC COM 037833100 476 3,587 SH   SOLE   0 0 3,587
CHEVRON CORP NEW COM 166764100 1,067 12,638 SH   SOLE   0 0 12,638
CINTAS CORP COM 172908105 482 1,365 SH   SOLE   0 0 1,365
ISHARES INC MSCI GBL MIN VOL 464286525 597 6,164 SH   SOLE   0 0 6,164
ISHARES TR S&P 500 GRWT ETF 464287309 3,267 51,185 SH   SOLE   0 0 51,185
ISHARES TR S&P 500 VAL ETF 464287408 1,711 13,365 SH   SOLE   0 0 13,365
ISHARES TR RUS MDCP VAL ETF 464287473 646 6,666 SH   SOLE   0 0 6,666
ISHARES TR RUS MD CP GR ETF 464287481 667 6,495 SH   SOLE   0 0 6,495
ISHARES TR S&P MC 400GR ETF 464287606 288 3,990 SH   SOLE   0 0 3,990
ISHARES TR RUS 1000 GRW ETF 464287614 833 3,456 SH   SOLE   0 0 3,456
ISHARES TR RUS 2000 VAL ETF 464287630 523 3,970 SH   SOLE   0 0 3,970
ISHARES TR RUS 2000 GRW ETF 464287648 204 712 SH   SOLE   0 0 712
ISHARES TR S&P MC 400VL ETF 464287705 587 6,799 SH   SOLE   0 0 6,799
ISHARES TR S&P SML 600 GWT 464287887 541 4,739 SH   SOLE   0 0 4,739
ISHARES TR GLB INFRASTR ETF 464288372 1,330 30,423 SH   SOLE   0 0 30,423
ISHARES TR EAFE VALUE ETF 464288877 255 5,396 SH   SOLE   0 0 5,396
MICROSOFT CORP COM 594918104 316 1,419 SH   SOLE   0 0 1,419
PROCTER AND GAMBLE CO COM 742718109 2,187 15,717 SH   SOLE   0 0 15,717
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,711 52,260 SH   SOLE   0 0 52,260
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,012 134,581 SH   SOLE   0 0 134,581
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 29,724 530,495 SH   SOLE   0 0 530,495
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 432 8,400 SH   SOLE   0 0 8,400
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,152 13,067 SH   SOLE   0 0 13,067
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,706 49,820 SH   SOLE   0 0 49,820
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,247 24,271 SH   SOLE   0 0 24,271
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,155 85,365 SH   SOLE   0 0 85,365
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,512 25,991 SH   SOLE   0 0 25,991
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,911 34,279 SH   SOLE   0 0 34,279
VANGUARD INDEX FDS SML CP GRW ETF 922908595 6,377 23,823 SH   SOLE   0 0 23,823
VANGUARD INDEX FDS SM CP VAL ETF 922908611 10,838 76,211 SH   SOLE   0 0 76,211
VANGUARD INDEX FDS GROWTH ETF 922908736 20,484 80,856 SH   SOLE   0 0 80,856
VANGUARD INDEX FDS VALUE ETF 922908744 24,818 208,625 SH   SOLE   0 0 208,625
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 839 17,221 SH   SOLE   0 0 17,221
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,183 15,487 SH   SOLE   0 0 15,487
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,256 64,293 SH   SOLE   0 0 64,293
SPDR SER TR S&P 400 MDCP GRW 78464A821 4,649 67,050 SH   SOLE   0 0 67,050
SPDR SER TR S&P 400 MDCP VAL 78464A839 7,134 128,535 SH   SOLE   0 0 128,535
TESLA INC COM 88160R101 335 475 SH   SOLE   0 0 475
VANGUARD WORLD FDS INF TECH ETF 92204A702 334 944 SH   SOLE   0 0 944
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 49,314 592,355 SH   SOLE   0 0 592,355